Mortgage Loan Types
Conventional Fixed-Rate Loan
Lock in a fixed-rate with predictable monthly payments and as little as 3% down—ideal if you plan to stay long term and want stable payments.
Adjustable-Rate Mortgage (ARM)
Start with a lower initial rate and as little as 3% down, then adjust later—great if you plan to move or refinance in a few years and want to keep early payments low.
Jumbo Loan
Finance higher-priced homes from $832,750 up to $3,000,000, with options as low as 3% down and reduced mortgage insurance—best for buying in high-cost areas or your forever home.
FHA Loan
Buy with as little as 3.5% down plus access to first-time buyer programs and down payment assistance—perfect if you’re new to homeownership and plan to live in the home.
What’s Next?
Your Key to Homeownership
Fast Closings
We guarantee our loans close in 24 days or we’ll give you $2,5001.
Lower Fees
We typically offer lower fees than other lenders so you have more move-in money.
Local Expertise
From your first home to complex builds, our local experts handle the heavy lifting so you don’t have to.
Tailored Loans
Whether it’s a standard mortgage, a low-down-payment FHA, or a custom construction loan, we have the perfect fit.
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FAQs
Explore common questions about Arizona home loans, mortgage options, and more to help guide your next step.
A fixed-rate mortgage keeps the same interest rate and monthly payment for the life of the loan. An adjustablerate mortgage (ARM) starts with a lower fixed rate for a set period, then adjusts periodically based on market conditions.
Conventional loans may allow down payments as low as 3% but typically require stronger credit. FHA loans require at least 3.5% down and are designed to be more flexible with credit qualifications.
Lower down payments typically result in higher loan amounts, which can increase monthly payments and may require mortgage insurance. Higher down payments can reduce monthly costs and overall interest paid.
Shorter loan terms, like 15 years, usually have higher monthly payments but lower total interest over time. Longer terms, like 30 years, spread payments out, resulting in lower monthly costs but higher total interest.
Yes, homeowners can refinance into a different loan type, such as moving from an ARM to a fixed-rate loan or from FHA to conventional, depending on eligibility and market conditions. A mortgage loan officer can help evaluate options.
1 24-Day Close Guarantee-Conditions apply. Terms and Conditions must be signed and acknowledged by both parties. For full details, refer to the Mortgage Closing Agreement.
